life insurance is there a smart way to invest my hard ... · at bharti axa life, we understand this...

Bharti AXA Life eFuture Invest - A Linked Limited Pay Life Insurance Product

This product does not offer any liquidity during the first five years of the contract The Policyholders will not be able to surrenderwithdraw the money invested in Linked Insurance Products completely or partially till the end of fifth year In this policy the investment risk in the investment portfolio is borne by the Policyholder

life insurance

Is there a smart way to invest my hard-earned money

An online investment plan that ensures good returns and added protection

Key Benefits bull Limited premium payment (single pay or 5 years)

bull Life cover for 10 years bull Buy online

Life Insurance Coverage available in this Policy

Bharti AXA Life eFuture Invest -An online Linked Limited Pay Endowment Life Insurance Product

With ever increasing cost of lifestyles and modest increase in incomes it is important that your money also earns for you Hence it is important that you have a robust investment portfolio that will help you maintain your lifestyle and also provides financial protection to your familyrsquos future While a lot of investment products generate value over a long period of time lifersquos eventualities are unpredictable You might not be willing to keep your money locked-in for a long period of time

At Bharti AXA Life we understand this and have decided to act We present - Bharti AXA Life eFuture Invest ndash an online Linked Limited Pay Endowment Life Insurance Product This is a plan that offers the opportunity to earn higher returns on your investments with an option to pay premium for a period of 5 years or one can choose to pay just once through the Single Pay option This plan also provides protection for the financial future of your family through a 10 year life cover all at a convenience of a click

About us Bharti AXA Life Insurance is a joint venture between Bharti one of Indiarsquos leading business groups with interests in telecom agri business and retail and AXA one of the worldrsquos leading organisations with interests in financial protection and wealth management The joint venture company has a 74 stake from Bharti and 26 stake of AXA

As we further expand our presence across the country with a large network of distributors we continue to provide innovative products and service offerings to cater to specific insurance and wealth management needs of customers Whatever your plans in life you can be confident that Bharti AXA Life will offer the right financial solutions to help you achieve them

1

What are the advantages of Bharti AXA Life eFuture Invest An Online Plan You can directly buy this policy minus the hassle on our website wwwbharti-axalifecom Fixed Policy Term The Policy Term under this product is of 10 years Limited Premium Payment You have an option to choose from two premium payment terms ndash Single Pay or 5 years Reasonable Charges As this is an online plan there are no commissions payable and hence the policy charges are lower With this plan you are not charged any premium allocation charge However other charges such as Mortality charges Policy administration charges Fund management charges will be applicable Life Insurance Benefit Higher of the Fund Value or Sum Assured Fund Options You have the option to invest through multiple fund options available with us and can choose from an array of 6 funds Extendable Investment Period (Settlement Period) Take advantage of staying invested in the funds for an extended period of 5 years after maturity Liquidity Benefit With Partial withdrawal You have the option to avail the Partial withdrawal facility from your policy fund value after your policy has completed 5 Policy years provided all premiums are paid to date Tax Benefits You can avail Tax benefits for premiums paid as well as benefits received as per the prevailing Tax laws

2

What are the benefits of Bharti AXA Life eFuture Invest

a) Life Insurance BenefitSubject to the Policy being in force the Life Insurance benefit payable under the productwill be higher of1 Sum assured (net of partial withdrawals made 12 months prior to death of the lifeinsured)

2 105 of all premiums paid (excluding underwriting extra) or3 Policy Fund Value as on date of intimation of Death of Life InsuredThe Sum Assured will be calculated as per the table below

Premium Payment Term Single Pay

Sum Assured 125 of Single Premium

Premium Payment Term 5 Years

Sum Assured Higher of 10 times Annualized Premium or (05 Policy Term annualized premium)

b) Maturity Benefit

Subject to the Policy being in force the Policy Fund Value shall be payable to Policyholderon the Maturity Date

For the payment of Maturity Benefit the Policy Fund Value is calculated with therespective Unit Prices of the relevant Investment Funds to which the premiums havebeen allocated as on their Valuation Dates coinciding with the Maturity Date of the Policy

Policyholder shall be entitled to choose any one of the following options for claiming theMaturity Benefit

1 Lump sum payment of the Policy Fund Value or

2 Withdrawal of Maturity Benefit at regular intervals chosen by Policyholder during theSettlement Period (as mentioned in next section) or

3 A combination of the above mentioned two options

Policyholder is required to apply to the Company in the specified form intimating of the choice of the Maturity Benefit option at least 90 days prior to the Maturity Date

The default option in case of non-receipt of such an application would be Option 1 as mentioned above

In case of option 2 or 3 the inherent risk of fluctuating markets during the Settlement Period in respect of Policy Fund Value shall be borne by Policyholder and applicable Fund Management Charge will be levied

3

c) Settlement Period

The Settlement Period is the period not exceeding five years commencing from theMaturity Date and is an option available to the Policyholder

1 The Company may provide settlement options at the Maturity Date providing onlyperiodical payments in the Policy so as to avoid the possibility of fluctuationsaffecting the Policy Fund Value under the Policy

2 The period of settlement shall not in any case be extended beyond a period of fiveyears from the Maturity date

3 The Company will levy fund management charge during the settlement period andno other charges shall be levied

4 Partial withdrawals and switches shall not be allowed during the settlement period

5 Complete withdrawal is allowed at any time during the settlement period withoutlevying any charge

6 Policyholder can choose the frequency of periodical payments under the settlementoption Frequency can be Annual Semi-Annual Quarterly or Monthly

7 Policyholder needs to specify the percentage of residual fund value for eachperiodical payment at the outset This amount will be paid as per the frequencychosen The final installment will consist the residual amount left in the fund

8 Policyholder will not be entitled to any life insurance benefits during the settlementperiod

If the Life Insured dies during the Settlement Period then the existing Policy Fund Value shall be paid to the Nominee and the Policy will stand terminated

d) Product at a glance

Parameter Eligibility

Minimum age at entry 18 years (age last birthday)

Maximum age at entry 60 years (age last birthday)

Maximum age at maturity 70 years (age last birthday)

Premium modes Yearly Half-yearly Quarterly and Monthly

Minimum premium Premium Payment Term 5 years Annual - ` 18000 Semi Annual ndash ` 9000 Quarterly ndash ` 4500 Monthly ndash `1500

Premium payment term Single Pay ` 25000

Maximum Premium ` 10000000 for 5 pay ` 80000000 for Single pay

Policy benefit period 10 years

Premium payment term Single Pay and 5 years

Payment only through ECS

4

What are the investment options available and how can I withdraw money

a) Investment fund options

Depending on your financial objectives you have the choice of investing your premiumsin any or all of the following six investment funds mentioned below

1 Growth Opportunities Plus Fund2 Grow Money Plus Fund3 Build India Fund4 Savelsquonrsquogrow Money Fund5 Steady Money Fund6 Safe Money Fund

b) Liquidity benefit with Partial Withdrawals

We understand that you may have an urgent requirement for money from time to timeThe partial withdrawal facility gives you the flexibility to withdraw money from your PolicyFund Value anytime after the completion of five policy years subject to the Policy beingin force The limit on the minimum Partial Withdrawal is ` 1000 The limit on themaximum partial withdrawal will be restricted such that the Policy Fund Value afterpartial withdrawal doesnrsquot fall below twice the Annualized Regular Premium for regularpremium policies For single premium policies the limit on maximum partial withdrawalwill be restricted such that the Policy Fund Value after partial withdrawal doesnrsquot fallbelow 20 of the Single Premium The Policyholder will not be entitled to any subsequentpartial withdrawals if post Partial Withdrawal the Policy Fund Value fall to the minimumas specified above

In a Policy Year the Policyholder is entitled to make two Partial Withdrawals free ofcharge subject to the limit of minimum and maximum Partial Withdrawal amount

c) Manage your funds with Switch and Premium Redirection facilities

1 Through the features of Switch amp Premium Redirection you may manage your assetallocation between equity and debt depending on your need Eg You can move yourmoney to a low-risk investment fund before the policy matures to protect yourselfagainst any adverse movements in the equity markets

2 You can switch up to 12 times in a policy year free of charge subject to the Policybeing in force Switches more than twelve times in a policy year will be charged at` 100 per switch The minimum value of a switch should be ` 1000 UnutilizedSwitches of any Policy Year cannot be carried forward to the succeeding Policy Years

3 The minimum investment in any allocated fund should not be less than 5

5

What happens if I am unable to pay premiums a) Grace Period (applicable only for the premium payment term of 5 years) Grace period available to you will be bull Fifteen days for Monthly Premium Payment mode bull Thirty days for AnnualSemi-annualQuarterly Premium Payment mode

b) Discontinuance of Premium (applicable only for the premium payment term of 5 years) While we recommend that all your premiums are paid on the respective due dates we also understand that due to sudden changes in lifestyle like an increase in responsibility or an unexpected increase in household expenses may affect your ability to pay future premiums If any premium due remains unpaid even after the grace period the Company will send a written notification within 15 days of the expiry of the grace period stating that the Policyholder can exercise any of the options mentioned below within 30 days of the date of receipt of the notification The Policy will remain in force during this period and all charges will be deducted You are entitled to exercise one of the following options 1 Revival of the policy within Revival Period 2 Intimate the company of the intention to revive the policy within Revival period of two years starting from the date of discontinuance of the policy or

3 Complete withdrawal from the policy without any risk coverThe conditions for revival of the policy are as follows1 Revival of the policy within the Revival Period A request to revive the policy will be accepted subject to the following bull Satisfactory evidence of insurability of the Life Insured bull Payment in full of an amount equal to all the premiums due but unpaid from the date of discontinuance of policy till the Revival of Policy

6

Revivals will be as per the Board Approved Underwriting Policy The effective date of revival is the date on which the above requirements are met and approved by the Company On this date all outstanding charges shall be deducted from the above payment for the period between the premium due date and the effective date of revival

2 Intimate the company of the intention to revive the policy within revival period of two years starting from the date of discontinuance of the policyIn case you intimate your intention to revive the policy and if the revival period expires before the end of the lock-in period then proceeds of the discontinued policy fund shall be refunded to you at the end of the lock-in periodIn case you intimate your intention to revive the Policy and do not revive the policy till sixty days before the end of lock-in period provided that the revival period has not expired at the end of lock-in period the Company shall send a notice to you forty five days before the end of the lock-in period to exercise one of the below options within a period of thirty days of receipt of such notice (i) Revive the policy immediately or (ii) Intimation to Revive the policy within Revival Period starting from the date of discontinuance of the policy or

(iii) Payout the proceeds at the end of the lock-in-period or the Revival period whichever is later

In case you do not exercise any of the options within the notice period of thirty days the treatment of such policy shall be in accordance with (iii) In case you opt for option (ii) then the fund value shall continue to remain in the discontinued policy fund till the policy is revived or up to the end of the Revival period whichever is earlier If the policy is not revived within the Revival Period the proceeds of the discontinued policy fund shall be paid out to you at the expiry of Revival Period

3 Complete withdrawal from the policy without any risk cover The policy will be treated as surrendered and the surrender provisions as mentioned in Section C given below will be applicable

c) Option to surrender the policy If you opt to surrender the Policy within the lock-in period then the Policy Fund Value less the applicable Discontinuance Charges as mentioned in the section D of ldquoCharges Applicablerdquo below calculated as at the date of request of such surrender shall be credited to the Discontinued Policy Fund that earns a minimum interest computed at a rate as specified by IRDA and shall become payable on completion of five policy years On seeking surrender of the Policy after completion of 5 policy years the Surrender Value which at all times is equal to the Policy Fund Value shall be payable Surrender of the Policy shall terminate the Policy and extinguish all rights benefits and interests of the policyholder in the Policy

7

Charges applicable a) Premium Allocation Charge There is no premium allocation charge 100 of premiums paid will be allocated in the funds chosen by you

b) Mortality Charge This charge is levied to provide you with Life Insurance benefit This charge is applied on the Sum at Risk (as defined below) and is deducted proportionately by cancellation of units on a monthly basis bull Sum At Risk is defined as the higher of Sum Assured over Policy Fund Value as on the corresponding Policy Date in the relevant Policy Month

bull Mortality charges per thousand Sum At Risk (per annum) for sample ages of healthy lives are as follows

GenderAge last birthday (in years) 30 40 50

Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313

There is a 3 year age setback for female lives For eg for a female life aged 33 years the premium rate will be the same as that of a 30 year old male lifeThese rates are guaranteed to remain the same during the policy benefit periodThe charges mentioned above in the Sales Literature are for a Healthy life However the charges for substandard life may be higher

c) Policy Administration Charge This charge shall represent the expenses other than those covered by premium allocation charges and the fund management expenses This charge is deducted by cancellation of units on a monthly basis The monthly policy administration charge as percentage of premium is as per the table below

Policy Year Premium Payment Term

5 years Single premium

1 - 5 045 018

6 amp above 045 0

The policy administration charge is subject to a maximum of ` 6000 per annum

8

` `

d) Discontinuance Charge The Discontinuance Charge shall be levied at the time of surrender or on discontinuance of premium The Surrender Value that you will receive will be the policy fund value less this charge The discontinuance charges are applicable on the policy fund value and are as follows

For premium payment term of 5 years

Year of Discontinuance Discontinuance charge for policies with Discontinuance charge for policies of PremiumSurrender annualized premium less than or equal to with annualized premium above

25000 pa 25000 pa

1 Lower of Lower of a) 20 of Annual Premium a) 6 of Annual Premium b) 20 of Fund Value b) 6 of Fund Value c) ` 3000 c) ` 6000




5 and onwards NIL NIL

9

1

For Single Pay

Year of Discontinuance of PremiumSurrender

2

3

4

5 and onwards

Discontinuance charge for policies with single premium of 25000 pa

Lower of bull 2 of Single Premium bull 2 of Fund Value bull ` 3000




NIL

Discontinuance charge for policies with annualized premium above 25000 pa

Lower of a) 1 of Single Premium b) 1 of Fund Value c) ` 6000




NIL

f) Fund Management Charge This is a charge that is levied on each of the Investment Funds and is adjusted in the unit price calculation on a daily basis This is a charge levied as a percentage of the value of assets and shall be appropriated by adjusting the Net Asset Value This is a charge levied at the time of computation of NAV which is usually done on daily basis

Fund Name

Growth Opportunities Plus Fund

Grow Money Plus Fund

Build India Fund

Saversquonrsquogrow Money Fund

Steady Money Fund

Safe Money Fund

Discontinued Policy Fund

Fund Management Charge

135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions

Investment Objective Asset Risk-Fund Allocation Return

Potential

Growth Opportunities To provide long term capital Govt bonds and securities High Plus Fund appreciation by investing in stocks NA Corporate bonds and SFIN across all market capitalization ranges Bank Deposits N A Cash ULIF0161412 (Large Mid or Small) and aiming to money market amp 2009EGRWTHOPPL130 produce better Risk-adjusted return short term bonds 0 ndash 20

than the benchmark Equities 80 - 100 (Benchmark- CNX 500)

Grow Money Plus Fund To provide long term capital Govt bonds and securities High SFIN ULIF0121412 appreciation by investing across N A Corporate bonds and 2009EGROMONYPL130 a diversified high quality equity Bank Deposits N A Cash

portfolio and aiming to produce money market amp better Risk-adjusted return than the short term bonds 0 ndash 20 benchmark (Benchmark- CNX 100) Equities 80 - 100

Build India Fund To produce better risk adjusted Govt bonds and securities High SFIN ULIF0190902 return than the benchmark and N A Corporate bonds and Bank 2010EBUILDINDA130 capital appreciation through Deposits 0 - 20 Cash money

exposure to equity investments in market amp short term bonds infrastructure and allied sectors 0 - 20 Equities 80 - 100

Savelsquonrsquogrow Money Fund To provide steady accumulation Govt bonds and securities Moderate SFIN ULIF0012108 of income in medium to long-term 0 - 40 Corporate bonds and 2006BSAVENGROW130 by investing in high quality debt Bank Deposits 0 - 50 Cash

papers and government securities money market amp and a limited allocation of high quality short term bonds 0 - 40 equity portfolio This would be more Equities 0 - 60 of a defensively managed fund

Steady Money Fund To provide steady accumulation Govt bonds and securities Low SFIN ULIF0032108 of income in medium to long 40 - 60 Corporate bonds and 2006DSTDYMOENY130 term by investing in corporate Bank Deposits 20 - 80 Cash

bonds and government securities money market amp short term bonds 0 - 40 Equities N A

Safe Money Fund To provide capital protection Govt bonds and securities Low SFIN ULIF0100707 through investment in low-risk 40 - 60 Corporate bonds 2009LSAFEMONEY130 money-market amp short-term and Bank Deposits 0 - 60

debt instruments with maturity Cash money market amp of 1 year or lesser short term bonds 0 ndash 40

Equities N A

The company shall also maintain a Discontinued Policy Fund that comprises of the fund values of all the policies that have been discontinued and will earn a minimum interest computed at a rate specified by IRDA from time to time which is currently 4 pa If the Company earns higher than 4 on discontinued policy fund that will also be credited to discontinued policy fund The discontinued policy fund shall be a unit fund with the following asset categories

Assets Discontinued Policy Fund

SFIN ULIF02219012011DDISCONTLF130 Money Market securities 0 - 40

Government securities 60 - 100

11

Revision of charges The Company reserves the right to revise the following charges from time to time subject to the maximum limits with prior approval from the Insurance Regulatory and Development Authority (lsquoIRDArsquo)

Fund Management Charge This charge shall not exceed the maximum cap as prescribed by IRDA which is currently 135 pa

Policy Administration Charge This charge shall not exceed ` 6000 per annum or the maximum limit as prescribed by IRDA

Investment Fund Addition The Company may from time to time create and add new Investment Funds with different feescharges with the approval of Insurance Regulatory and Development Authority and consequently new Investment Funds will be made available to the policyholder All provisions of the product will apply to the additional Investment Funds unless stated otherwise

Investment Fund Closure The Company reserves the right to close any investment fund by giving 3 months notice in writing In such case option will be given to the Policyholder to change the fund If the Company has not received valid notification from Policyholder for modification of the Investment Fund Allocation by the time of closure of the Investment Fund the Company will switch the funds from the Closing Investment Fund to Steady Money Fund This switch will be free of charge

Computation of Unit Price The computation of unit price shall be done as stipulated by the Insurance and Regulatory Development Authority (IRDA) which is as follows

bull Market value of the investment held by the fund plus value of current assets less value of current liabilities and provisions if any and divided by the number of units existing on the valuation date (before creationredemption of units)

12

`

`

Case Study Aditya aged 35 years purchases Bharti AXA Life eFuture Invest and would like to invest in the Grow Money Plus Fund

Annualised Premium ` 50000 pa under Annual mode

Policy Term 10 years

Premium Payment Term 5 years

Sum Assured ( ) ` 500000

Assumed Rate of Return 4 pa 8 pa

Policy Fund Value at Maturity ( ) ` 263400 ` 363554

IRR (Customer Yield) at maturity 127 532

This illustration does not take into account the impact of Service Tax and Cess

Needs met

1 The premium amount (` 50000) that Aditya pays annually is invested in his chosen funds as the Allocation Charges in this policy are nil

2 At maturity he receives the Fund Value as follows subject to the Policy being in force

Fund Value 4 8

` 263400 ` 363554

What are the Tax Benefits under this product You can avail the tax benefits on the premiums paid and the benefits received as per the prevailing tax laws under Section 80C and Section 10(10D) of the Income Tax Act 1961 The tax benefits are subject to change as per change in Tax laws from time to time

13

SECTION 41 OF INSURANCE ACT 1938 1 ldquoNo person shall allow or offer to allow either directly or indirectly as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a policy accept any rebate except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer

2 Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to ten lakh rupees

Terms and conditions

1 Free-look option- If You disagree with any of the terms and conditions of the Policy You have the option to return the original Policy Bond along with a letter stating reasons for the objection within 30 days of receipt of the Policy Bond (ldquothe free look periodrdquo) The Policy will accordingly be cancelled and the Company will refund an amount equal to the Premium paid and may deduct a proportionate risk premium for the period on cover the medical expenses incurred by the Company (if any) and the stamp duty charges All rights under this Policy shall stand extinguished immediately on cancellation of the Policy under the free look option

If the Policy is opted through Insurance Repository (IR) the computation of the said Free Look Period will be as stated below-

For existing e-Insurance Account Computation of the said Free Look Period will commence from the date of delivery of the e mail confirming the credit of the Insurance policy by the IR

For New e-Insurance Account If an application for e-Insurance Account accompanies the proposal for insurance the date of receipt of the lsquowelcome kitrsquo from the IR with the credentials to log on to the e-Insurance Account(e IA) or the delivery date of the email confirming the grant of access to the eIA or the delivery date of the email confirming the credit of the Insurance policy by the IR to the eIA whichever is later shall be reckoned for the purpose of computation of the free look period

2 If the Life Insured under the Policy whether medically sane or insane commits suicide within one year of the date of issue of the Policy or within one year from the latest date of revival of the Policy the Policy shall be void and The Company will only be liable to pay the Policy Fund Value as on the date of death Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with death benefit

3 Assignment would be dealt with in accordance with provisions of Section 38 of the Insurance Act 1938 as amended from time to time

4 Nomination would be dealt with in accordance with provisions of Section 39 of the Insurance Act 1938 as amended from time to time

5 The Company also has the right to revise the asset allocation of any investment fund(s) with prior approval from IRDA

6 This is a non-participating Unit Linked Insurance policy and does not provide for participation in the distribution of surplus or profits that may be declared by the Company

7 In the process to comply with the reduction in yield the insurer may arrive at specific nonndashnegative additions if any to be added to the unit fundpolicy account value as applicable at various durations of time Such specific nonndashnegative additions shall be called non-negative claw-back additions

13

Risks of investment in unit-linked policies 1 Bharti AXA Life eFuture Invest is the name of the unit linked insurance product Unit linked insurance products are different from traditional Insurance products and investments in ULIP are subject to Market risk

2 The premium in Unit Linked Insurance Policy are subject to investment risk associated with capital market and the NAV of the units may go up or down based on the performance of the investment funds and the factors influencing the capital markets and the policyholder is responsible for hisher decisions

3 Bharti AXA Life Insurance Company Ltd is only the name of the insurance company and Bharti AXA Life eFuture Invest is only the name of the unit linked insurance policy and does not in any way represent or indicate the quality of the policy its future prospects and performance or the returns

4 Bharti AXA Life eFuture Invest does not provide for participation in the distribution of surplus or profits that may be declared by the Company

5 Growth Opportunities Plus Fund Grow Money Plus Fund Build India Fund Steady Money Fund Saversquonrsquogrow Money Fund and Safe Money Fund are the names of the Investment Funds and do not in any manner indicate the quality of the Investment Funds their future prospects or returns There can be no assurance that the objective of any of the investment funds will be achieved

6 Please know the associated risks and the applicable charges from your Insurance advisor or the Intermediary or the policy bond

7 All the tax benefits under the Policy are subject to the tax laws and other financial enactments as they exist from time to time The tax benefits are subject to change with change in tax laws

14

Disclaimers bull Life Insurance cover is available under this product

bull This product brochure is indicative of terms conditions warranties and exceptionscontained in the insurance policy bond

bull Insurance is the subject matter of solicitation

bull Bharti AXA Life Insurance Company Limited IRDA Registration No 130Registered Office Unit 601 amp 602 6th floor Raheja Titanium

Off Western Express Highway Goregaon (E) Mumbai-400 063

UIN 130L063V01

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUSFRAUDULENT OFFERS

IRDA of India clarifies to the public that

bull IRDA of India or its officials do not involve in activities like sale of any kind ofinsurance or financial products nor invest premiums

bull IRDA of India does not announce any bonus

Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number

Trade Logos and used in the document belong to Bharti Enterprises (Holdings) Private Ltd and AXA SA respectively and are used by Bharti AXA Life under license

15

Your Bharti AXA Life Advisor

Life insurance coverage is available in this product

For any further queries or feedback please contact your Financial Advisor or get in touch with us on

Customer Care No

1800 200 0048 SMS SURAKSHA to 56677 We will get in touch within 24 hours to address your query

For locating a branch near you please visit

wwwbharti-axalifecom

Bharti AXA Life Insurance Company Ltd Regd Office Address Unit - 601 amp 602 6th Floor Raheja Titanium Off Western Express Highway Goregaon (E) Mumbai- 400 063IRDA Regn No 130 UIN 130L063V01Advt No II-Apr-2015-1077

Bharti AXA Life eFuture Invest -An online Linked Limited Pay Endowment Life Insurance Product

With ever increasing cost of lifestyles and modest increase in incomes it is important that your money also earns for you Hence it is important that you have a robust investment portfolio that will help you maintain your lifestyle and also provides financial protection to your familyrsquos future While a lot of investment products generate value over a long period of time lifersquos eventualities are unpredictable You might not be willing to keep your money locked-in for a long period of time

At Bharti AXA Life we understand this and have decided to act We present - Bharti AXA Life eFuture Invest ndash an online Linked Limited Pay Endowment Life Insurance Product This is a plan that offers the opportunity to earn higher returns on your investments with an option to pay premium for a period of 5 years or one can choose to pay just once through the Single Pay option This plan also provides protection for the financial future of your family through a 10 year life cover all at a convenience of a click

About us Bharti AXA Life Insurance is a joint venture between Bharti one of Indiarsquos leading business groups with interests in telecom agri business and retail and AXA one of the worldrsquos leading organisations with interests in financial protection and wealth management The joint venture company has a 74 stake from Bharti and 26 stake of AXA

As we further expand our presence across the country with a large network of distributors we continue to provide innovative products and service offerings to cater to specific insurance and wealth management needs of customers Whatever your plans in life you can be confident that Bharti AXA Life will offer the right financial solutions to help you achieve them

1


2








b) Maturity Benefit










3
























4












5




6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No






2








b) Maturity Benefit










3
























4












5




6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No












b) Maturity Benefit










3
























4












5




6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No




























4












5




6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No
















5




6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No








6







7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No











7





Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No









Male ` 089 ` 156 ` 433

Female ` 084 ` 124 ` 313





1 - 5 045 018

6 amp above 045 0


8

` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No





` `




25000 pa 25000 pa






9

1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No





1

For Single Pay


2

3

4

5 and onwards






NIL






NIL


Fund Name



Build India Fund


Steady Money Fund

Safe Money Fund



135 pa

135 pa

135 pa

125 pa

100 pa

100 pa

050 pa

10

Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No





Fund Descriptions


Potential













Equities N A





11








12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No












12

`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No





`

`










Needs met



Fund Value 4 8

` 263400 ` 363554


13














13








14






UIN 130L063V01







15




Customer Care No


















13








14






UIN 130L063V01







15




Customer Care No












14






UIN 130L063V01







15




Customer Care No










UIN 130L063V01







15




Customer Care No








Customer Care No





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